Car insurance question....?

I am just trying to be an informed consumer and not assume it should all go to them. If I am taking my time and gas money to search for a better deal why shouldn't I choose the more reasonable shop and save as much of the deductible as I can. I am NOT trying to take advantage of anyone..... I am going to have it fixed and I would pay what is asked of me to pay, that's all I am saying.

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